Don't deny claims of HIV infected policy holders: IRDA

... the insurers to put in place a board approved policy with respect to insurance products for people living with HIV/AIDS (PLHA). "With respect to persons who are HIV negative at date of commencement of the contract and subsequently found to be HIV ...

http://www.financialexpress.com/news/dont-deny-claims-of-hiv-infected-policy-holders-irda/1182084